Comenity

I cancelled the card since they refused to work with me. DO NOT GET ANY CARDS WITH THIS BANK and if you choose to proceed, make sure you check your bill within a week of paying the full balance to ensure they have not added any fees as Comenity Bank rep said I should have checked my account a couple days after I PAID THE POSTED BALANCE IN FULL to ensure they haven’t added any fees. WHAT KIND OF CUSTOMER SERVICE IS THAT!! I am gladly going viral with this one. P.S. I gave them 1 star only bc you have to rate at least 1 star to post but they clearly don’t deserve the 1 star.

Excuse me. You increase then decrease which btw dropped my credit score another 20 points because they decided to decrease the limit. But what’s more disgusting is that the only reason my credit score dropped was because of several car dealers running it while I was trying to buy a car. Take some advice. Stay away from this creditor. Their customer service is a joke. Their ability to affect your credit by doing things without your permission is also a joke. So although I only owe them a whopping $34 I have decided to permanently close this account and will never do business with this bank ever again. Yes I know it’ll affect my score short-term but if I could show you the damage they have caused it will be better long-term to never deal with a company like this again. Oh and btw only late by a few days and the late fee was $17 more than the minimum payment I was required to make.

I have worked too hard and for too long for a company like Comenity Bank to feel like they have a right to do a customer like this. So I will also never spend another dime in Hot Topic although it’s my daughter's favorite store or will my wife spend another dime in the clothing store she shops at that is owned or affiliated with Hot Topic. So deal with that.

I had this experience with Comenity, through a David's Bridal store, and even though I paid exactly what the bill showed, EVERY month, sometimes even MORE, I was not paid off in 12 months. On top of THAT, they had the nerve to change me to a "revolving" account, from a "promotional" account, without my knowledge, (And charged me an additional $402 for the privilege!). They said that it was because I hadn't paid off the card in the 12 month period. I had tried MANY times to speak with someone about the fact that they were charging me INTEREST, (DURING the 12 months that they weren't supposed to be) and that my balance was not going down, no matter HOW much I paid, and they were not interested. The woman I spoke with, kept saying that she couldn't do anything about it, and when I asked for a supervisor, the supervisor said the same thing.

I continued to make additional payments because I didn't want it to go on my credit, and even after ANOTHER year of paying, the balance was STILL almost as much as the original credit limit! It was like a student loan... I couldn't seem to pay it off! I finally called and asked for a FULL "payoff" date, and since I knew how they were by then, I added a week's worth of extra money in interest, onto the payment, because I knew that the payment would take a few days to reach them, and I didn't want them to say that it wasn't paid off due to the additional charges for the travel time of the mail. They told me that the payoff amount was $833, so I sent $840 just in case. I FINALLY had them paid off, and I have NEVER used that card again.

I would advise anyone who doesn't have a regular credit card, or debit card to use for their purchases, NOT to get ANY store card that is backed by Comenity, because they are POISON! They have also been known to charge people who have a "0" balance, and because you think that you are paid off--you don't bother to check it--and you get screwed! There are also many people who thought that their account was CLOSED, when it never was, and they were still being charged every month as if they still had an open account. I was lucky in the end, because I ended up being able to get rid of them, and their outrageous charges, but others weren't as lucky. Don't get ANY store card, that uses them to back the card--ever!!!

They are complete idiots because it doesn't take a rocket scientist to know once you have a dissatisfied angry customer not only will they go out of their way not to shop at your store they will also not use anything affiliated with you and make sure everyone they know. Here's their story because when they feel wrong they are going to let it be known!! If only I could add up the money I have given to all these companies especially having a teenage girl who loves Pink! Never had a single problem with any of the cards and had a perfect pay history for years until I was in an accident. Late last year my spine was nearly severed and it took months to be able to do small task such as brushing my teeth, going to the restroom, call me my hair, etc.

Needless to say Comenity credit cards along with 10 to 15 other ones were the last thing on my mind and even if they were on my mind there's no way I could have picked up a phone or used the mouse to make a payment! After what seemed like an eternity but really 3 to 5 months I was making payments again on all my cards and also started writing letters explaining the situation, requesting adjs for late and trying to clean up the mess. (Keep in mind I didn't go all that time not making payments, I was able to make them when I had someone helping me but depending on when they came to assist with that my stuff could be late.) Anyhow, the responses I received were alarming...

I was disgusted at their lack of compassion, complete disregard that I was a human being and telling them what I had been dealing with, that I want to get my acct cleared up, this is what happened and can they help me clear it up so I can close this chapter and get things back to normal in my life?? Well I think they ALL have one manual they respond from because in a nutshell they all pretty much said "we apologize for your inconvenience but we are only able to credit you one late fee, unfortunately we cannot do anything other than that.” after that all I hear is blah blah blah blah!!! I made phone calls and try talking to people but it was no different, they act as if they are making a decision on whether or not to power the switch for a nuclear bomb or that they are doing rocket science. I'm asking them to credit something that wasn't really theirs to begin with!

Out of all my credit cards, between 10 to 15 of them, I did not have a single problem squaring all of these things away except with the Comenity accounts. And then just to show what amazing people they really are, they lowered the HSN account that I did not owe a dollar on from $2,500 to a $100 credit line. In fact I guess I paid off the account in full but I did it after 8 p.m. so I was assessed a late fee. Well I refuse to pay another late fee because they have a ridiculous made-up cutoff time so now that one late fee has turned into three late fees and they are still so stubborn they refuse to do anything about it. All alone I absolutely will not give them another free $100 for doing nothing but causing chaos in my life!! These people who work there are animals not humans! And shame on Ulta, HSN and Victoria's Secrets for still using this company!

Maybe they operate like that those criminal construction companies who comes in as the lowest bidders and no one else can compete come to find out they're scamming and cheating the whole way through the project and they make their money up in change orders and screwing people over just like Comenity does!! They make their money up screwing over good people like me! They are the best at that!

Now, I was told there was a Cease and Desist on my account which I never sent to them in writing. I only informed them to stop calling the wrong phone #. This company has communication issues and never informed me of this! There are a lot of complaints online about this company. They are not even a bank and to the best of my knowledge not accredited by the BBB. I am a veteran of 25 years and probably will be paying off this credit card and never want to deal with this company again! They will call you repeatedly, even was calling my brother's phone# and not leaving messages. I don't need this credit card!

They are just like Synchrony bank wanting to run credit checks to see if your account is eligible for a limit increase without you knowing. So I will be doing Comenity Bank a favor just like I did Synchrony Bank when I closed that damn Amazon store card. I will never ever open any department store cards again if they issued by Comenity Bank or Synchrony Bank. I’m so glad Capital One doesn’t pull this crap and will be looking into getting a Kohl’s charge since it's thru Capital One!

I am not happy that for a $9.07 McDonald's charge that I do not remember making back in Dec. 2017 I had to pay $25 today. This is not about the money, but about your policies. I am not likely to ever use your card again. Any other bank would have notified me in writing or by phone before it escalated to over 60 days past due. Again, I NEVER pay my bills late, ever. Not a good experience at all with your bank.

1) Do NOT opt-in for paperless statements. Your credit card statement emails will not have a distinct subject message headers, and you will receive so many VS promotional emails that the credit card ones will be easy to miss -- especially since they do not have proper subject headings. A credit card email subject line should read something like: "Credit Card statement from..." Not these. They begin "Victoria's Secret..." All of the VS promo emails, and there are sometimes one or more a day, start looking like junk mail. VS also shares your email with other companies, which they state in the paperless opt-in agreement -- so you'll receive even more promo emails than you want.

2) When you call the customer service number it loops you again and again through the options even when it says "stay on the line for more options" -- it just takes you back to the beginning. If you're patient, somehow I was able to connect with a live person (who had a thick Indian accent and sounded extremely bored with his job). With normal service lines, if you press '0' at any time, it connects with a service rep; NOT with this company.

3) I made a payment by phone with a rep and he never completed the transaction -- there is a record that I called that day, but no payment. Fast forward a few months, I haven't used the card, so am not checking my balance -- believing it is ZERO. Then I get a statement in the mail, 3 months later, saying I have a $48 balance -- after adding interest fees ($1 every month) and late fees (which are MORE than the original $13 balance), all for an original $13.06 charge balance that I had authorized paid by phone months ago.

After about a 25+ minute phone call, including the complex "press #" option maze, talking to the monotone Indian man, and then insisting on speaking with a supervisor, I was finally able to explain the situation to a supervisor (who spoke clear American English). I don't mind speaking with anyone who has an accent (my dad speaks with an accent), but a customer service rep needs to speak clearly, no mumble, use inflection, and act courteous and interested in what you are calling to discuss. The supervisor assured that he would fix the situation since my original balance of $13.06 was so low. I authorized by phone a payment from my bank checking account, and the supervisor confirmed that the late & interest fees would be taken off my account. As a result, however, my account would be frozen for 18 months, which is fine because I want to cancel this card anyway -- it's not worth the hassle.

However, today I get a text that my credit report has changed (via TrustedID.com), but checking my VS card account, there has been no changes to it and is still reporting that I have a past due amount. T as of today, the following day, it still is showing on my online account records that it has been corrected. I sent a message to customer service, since I am not in the mood to call this morning.

And the supervisor was no better. Like I said they should have explained this to me on the 5th when I place the order as well on the 16th when I place the order and this isn't even my complete order. I had five items but when they send an email they only had down there three items. I had an item for 4999 and a item for 39 99 along with the other three items that I have.

Sooo I try to read the info, "error can't do same as previous info". Might I also add this is same and only checking account I have that I paid my previous orders in the past from...okay. Let me ask via msg ctr what the deal is. Again, a rude useless reply from S. ** (sad I knew the name already from his other rude useless response, probably not even him). Tells me NOW to pay via laptop and not mobile and that my next statement isn't due til 2/19?? Oh you mean the one with your surprise late fee?? Oh the next statement where your system still won't let me pay?? I'm trying to avoid your outrageous late fees Sir. Why are you not allowing me to do this? Why did your bank return my payment and not even tell me so that it wouldn't happen again to avoid fees next payment? Why is your system reading my Bank info as error all the sudden now.

Everything, I mean EVERYTHING they are pulling here is a scam to tack on late fees even if you are trying to pay. I PAY MY BILLS YO. Now YOU'RE MESSIN WITH MOMMAS MONEY DOGG!! Please for the love of god do not use these guys. BEWARE!!! I only charged 2 payments worth on my card and can see them trying to squiggle those late fees. I hadnt even charged anything in years prior to this. I have a few other retailer cards with them I've never used. Never going to now either. Thank god I check my debit history on the reg to see nothing had posted from them to look into this. Still waiting for another reply where so far for me their msg ctr service has just been a useless joke.

Updated on 03/07/2018: Unprocessed payments on their end sent my account to be closed which took my credit score down. Still waiting via msg center for help and log in to see a new double charge from a pair of Jeans I had already been charged for and paid on. I wish I had never dealt with this company. Processing payments late on their end to send me a bogus bank error so I can't even pay. Sends your account to be closed. All this while taking care of my sick mom. Been trying to pay off a measly 60 bucks for weeks now. I have no idea how to solve this issue. All the replies I've gotten so far are vague and dodgy. So much unprofessional stress...

I answered a call from a very rude woman today. I explained the situation and my last two calls. She told me she didn't know why anyone would say that and I didn't have that option, she kept drilling me about other bills I pay being very nasty and accusatory. I kept trying to explain that within the month I'll be paying it totally off. She finally laughed and said "well I'm gonna have to wish you luck with this one hon. The bank wants their money." And hung up. I'm paying it off within the month, I've told them this. And now all of the sudden it's not ok to do this? Moral of the story; don't do business with these people. The harassment is giving me anxiety. I'm so sick of these people. Never shipping at Victoria's Secret again

September 12, 2017 I spoke with Comenity, explained that my mother had passed. The rep (Diane) told me how sorry she was, and that my mother’s account would be closed. Do not pay anything. I needed to fax a copy of my mother’s death certificate to their “Deceased Department”. Which I did, and I included the copy of her September statement (which I had already paid by the way).

October 13, 2017 I received a bill from Comenity - this one included a late fee. I called again. The rep (Marcus) apologized profusely, looked at the account, said that the account was closed, disregard, do not pay. I never received another thing from Comenity. Not one more piece of mail, not a phone call. Nothing. Fast forward to yesterday, February 9, 2018. I signed for a certified letter. To my shock it was from the debt recovery company Ascension Point Recovery Services on behalf of Comenity Capital Bank for $1128. I called Comenity yet again. The rep (Rihanna) told me she wasn’t able to be specific about the details of my mom’s account because there was no power of attorney on file. I told her that was irrelevant since POA ends with a person’s death and what she should have been asking for was the letter testamentary - which, as the estate executor, I had.

However, the two previous occasions I had spoken with Comenity. NO ONE REQUESTED IT IN ORDER TO SPEAK WITH ME ABOUT THE ACCOUNT. Rihanna told me that she could accept payment from me today (I am not legally or personally financially responsible for this bill - she knows this, and I told her that I would not be paying it that day). She repeated that she wasn’t able to speak with me about my mother’s account, and that the reps I spoke with in the past should not have told me anything about my mother’s account. I told her (again) that I am the executor of my mother’s will and they certainly did speak with me. Two months in a row.

The rep placed me on hold, again. Had me speak with a supervisor (Amy) who again placed me on hold. When she came back on the line, she kept saying over and over, “I’m trying to figure out what went wrong on our end. I think I see what... Hmmm. What went wrong. I think I see...” “Amy” never finished those sentences, was completely noncommittal about “what went wrong on their end” and then she had the audacity to advise me to call the debt recovery company to see what THEY could explain to me.

At that point, I was beyond angry. I explained that the two previous occasions I had spoken with Comenity reps (9/12/17 & 10/13/17), I asked what happens going forward - and they BOTH told me “NO MORE BILLS. DO NOT PAY. ACCOUNT CLOSED.” I told her (Amy) that I want someone from COMENITY to explain to me how my mother’s account went from, "NO MORE BILLS. DO NOT PAY. ACCOUNT CLOSED," to “This is an attempt to recover a debt”.

I also told “Amy” that I would have paid what I could in September/October. I would have negotiated the payment down and I would have PAID it. Instead, I get blindsided with an $1128 bill. I have been paying all of my mother’s bills, using the money she had left in her checking account. She didn’t have much. If Comenity Capital Bank hadn’t engaged in deceptive tactics and had accepted a smaller payment on my mother’s balance in September, they would have received something. My mother’s account is now almost depleted. There is no “$1128”. My experience with Comenity has been abysmal. Deceptive and predatory are the only adjectives I would use to describe Comenity Bank and their business practices. Shame on them.

I went back the next month and they had charged me AGAIN! $2 with a $22 late fee! I paid. I know, I know, but I just wanted them gone and I knew if I called they would say, "It's because of this and this and you didn't pay"... I took the easy way out, paid the money and emailed again to close the account. They emailed back that the account was already closed a month ago. So I went to look and they had charged me again! WTF?! So I've called and been put on hold repeatedly, eternally. Now I'm going to write again. I am not paying them anymore and I hope they take me to court. I would love to tell them what I think of them!

This is how they rip you off. Now I find out they won't accept union either. They also don't have an autopay! Never seen this before. They literally told me I had to take money from my accoun,t go purchase a debit card and pay them. What??? PayPal is debit!!! I am beyond mad. I've gotten calls from Kansas, Ohio, all over the place. I told them not to keep calling me but they do so in keeping track because since they keep on that is more money for me in the long run. For anybody that doesn't know FTC regulates and tells you that once you tell them to quit calling you and they do it is $1,000 per call.